Online Credit History
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Online Credit History - Although you may think such a system is arbitrary or impersonal, it can help make decisions faster, more accurately, and more impartially than individuals when it is properly designed. And many creditors design their systems so that in marginal cases, applicants whose scores are not high enough to pass easily or are low enough to fail absolutely are referred to a credit manager who decides whether the company or lender will extend credit. This may allow for discussion and negotiation between the credit manager and the consumer.
Online Credit History - An important reason to check one's account is because identity theft is so prevalent today. If a person is a victim of identity theft they should contact the police immediately. Contacting all charge card companies and getting replacements with new account numbers is a good step to take. Ask that old accounts be noted, that the account was closed, per one's request. Calling the three business bureaus and asking that a person's accounts be flagged. Adding a victim' statement to someone else's account as well as making any requests for future financial increase is verified and approved by the individual. A person should write down the information obtained from any sources and keep a log of conversations he or she has had for future reference. People should do a search online today for a financial update on their annual credit report and become proactive in their own affairs.
Online Credit History - Annual percentage rate. The APR measures the cost of credit on an annual basis and may be the easiest way to compare costs among credit cards. Usually, the lower the APR, the less you'll be charged for credit. The APR includes the interest rate and other costs, such as service charges or loan fees. If you expect to pay back less than the full amount you charge each month, youll have to pay finance charges on the unpaid balance. In this case, choose a card with a low APR.
Online Credit History - Another reason to manage your credit wisely to earn a high credit score is to make a difference in employment and insurance premiums.
Online Credit History - Anyone that has been turned down because of their credit rating can tell you it is always better to be prepared and know ahead of time what is on your credit report. Sometimes it doesn't matter how good your intentions are. Bad things sometimes happen to good people. The credit bureaus themselves make mistakes. It is believed that 7 out of every 10 people have at least 1 error on their report. That alone should be enough to make most people want to find out what is on their report.